SBI Card Aurum - Credit Card
Card Intro
Welcome Benefits
Receive a welcome gift of 40,000 AURUM Reward Points, equivalent to Rs. 10,000, upon payment of the joining fee for the SBI Card Aurum Credit Card.
Complimentary 1-year Club Marriott Membership and 1-year digital subscriptions to The Wall Street Journal and Mint.
Interest Free Period
20 to 50 Days
Payment Gateway
Visa/Mastercard
Card Fees
Joining Fee(once)
Rs. 9999
Annual Fee(2nd year onwards once)
Rs. 9999
Add-on Card Fee
Nil
Annual Fee Waive off
Annual spends greater than Rs. 12,00,000
Card Features, Rewards and Benefits
Cashback
Nil
Rewards
4 AURUM Reward Points (ARP) for every Rs. 100 spent, except Fuel and Rent Payment transactions.
Milestone Benefits
Amount spent in an annual year (INR)
Rs. 1 lakhs (every month): Tata CliQ voucher (every month) on reaching monthly spends of Rs. 1 Lakh
Rs. 5 lakhs : Tata CliQ Luxury voucher for Rs. 5000
Rs. 10 lakhs : Rs. 10000 Taj Experiences Gift Card
Rs. 12 lakhs : Annual fee reversed
Rs. 20 lakhs : Rs. 20000 Apple Gift Card.
Fuel Surcharge Waiver
1% for transactions between Rs. 500 to Rs. 4000.
Up to Rs. 250 per statement
Dining
Nil
Movie Benefits
Bookmyshow : 4 movie tickets worth Rs. 1,000 every month. (BOGO on BookMyShow)
Lifestyle Benefits
16 complimentary golf rounds per calendar year (4 per quarter) and 12 complimentary golf lessons per calendar year.
Travel Benefits:
One complimentary Spa access at select Domestic airports every quarter within India.
Two flight cancellation refunds per year from any airlines (both for refundable and Non-Refundable tickets).
Lounge Benefits
Complimentary DreamFolks Membership.
For Domestic – 16 complimentary lounge access per year (4 per quarter) and 8 complimentary lounge access per year for Add-on Cardholders (2 per quarter).
For International Lounges – Unlimited per year with the DreamFolks Membership
Hotel Benefits
Complimentary 1-year Club Marriott Membership.
Insurance Benefits
Complimentary personal Air Accident Insurance Cover of up to Rs. 3.50 Crore.
Complimentary Credit Card Fraud Liability cover of Rs. 10 lakhs on reporting unauthorized transactions within 48 hours of loss/theft of the card.
Cover for Loss of check in baggage, Loss of travel documents up to 1 Lakh.
Concierge Benefits
Concierge assistance for hotel reservations, flight bookings, and more. Aurum Cardholders can authorize a secretary/executive assistant to manage their SBI Card account on their behalf.
Health Benefits
Nil
Card Charges
Cash Payment fees at branches
Rs. 250
Cash Withdrawal Fees or Cash Advance Fees
2.5% (Min. Rs. 500) of the cash amount
Card Replacement Fees
Rs. 1500
Charge slip Retrieval Fee
Rs. 225
Cheque Payment Fee
Rs.100
DCC Markup Fees(Dynamic & Static Currency Conversion Markup Fee)
1.99% on International transaction
Duplicate Statement Fee
Rs.100 per statement (>2 months old)
Emergency Card Replacement (When Abroad)
Minimum $175 for VISA, $148 for Mastercard
EMI Processing Fees
Rs. 199
Finance Charges
3.5% per month (42% per annum) (Min Rs 25)
Foreign Currency Transaction fee(Forex Charges)
1.99% of the transaction value
Late Payment charges
Nil if Total Payment Due is less than Rs. 500
Rs. 400 if total payment due is between Rs. 501 – Rs. 1,000
Rs. 750 if total payment due is between Rs. 1,001 – Rs. 10,000
Rs. 950 if total payment due is between Rs. 10,001 – Rs. 25,000
Rs. 1100 if total payment due is between Rs. 25,001 – Rs. 50,000
Rs. 1300 if total payment due is greater than Rs.50,000
* Additional Rs. 100 for missing payment of Minimum Amount Due *
Outstation Cheque Fee
N/A
Over Limit Fees
2.5% of the over limit amount (Min Rs. 600)
Payment (cheque/ECS/NACH/Auto Debit Reversal) Dishonor Fees
2% of the payment amount subject to Min. Rs.500
Payment of Customs duty
2.25% (Min Rs. 75)
Priority Pass Lounge Charges
$27 per visit + taxes
Railway Tickets Surcharge
Rs. 30 + 2.5% of transaction amount on Counters, 1% on IRCTC website
Rental Transaction Fee
Rs. 199
Reward Points Redemption Fee
Rs. 99
Any Other Charges
Cheque Pickup fee – Rs. 100
Fuel – 2.5% of transaction value or Rs. 10 whichever is higher
Terms & Conditions!
* Goods & Service Tax(GST) applicable on all fees, interest and other charges. All fees, charges, rewards, or any other terms can change at any time. Always read the Terms and Conditions on the Bank’s page.